Garners Funeral Service Limited

Reference number: 983391

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Appointed representative

This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Golden Charter Limited Reference number: 965279 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • GARNERS FUNERAL SERVICE LIMITED (FRN 983391) is an AR of Golden Charter Limited (FRN 965279). When you use GARNERS FUNERAL SERVICE's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from GARNERS FUNERAL SERVICE, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

  • No website on the FCA register

  • Phone number

    020 8390 4996

  • Address

    Nightingale House, 46-48 East Street, Epsom, Surrey, KT17 1HQ, United Kingdom

In the full report: 2 background checks

  • What kind of line 020 8390 4996 is
  • Who else gives the postcode KT17 1HQ
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Golden Charter Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
01941661
Company status
Active
Company type
Private limited company
Incorporated
23 August 1985 (41 years old)
Registered office
Nightingale House, 46-48 East Street, Epsom, Surrey, KT17 1HQ, United Kingdom
Nature of business
  • Funeral and related activities (SIC 96030)

Directors and company secretaries

Name Role Born Appointed Other companies
Howard Reay Garner Director Nov 1968 29 Jun 1995 None
Daniel Reay Garner Director Jun 1999 1 Oct 2026 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
  • All 4 people who have been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Full accountsNot audited

Net assets

£75.0k

−62% from £197k

Cash at bank

£90.1k

−21% from £114k

Owed within a year

£178k

+4.4% from £171k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

Accounts filed at Companies House for company 01941661. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Garners Funeral Service’s history from the FCA register and Companies House, newest first.

Key events (5) All events (10)

2022

14 September 2022

  • Became an appointed representative

FCA register

2019

10 February 2019

  • Nicola Jane Garner stopped being a part-owner

Companies House

2016

6 April 2016

  • Howard Reay Garner took control (75–100% of shares)
  • Nicola Jane Garner became a part-owner (25–50% of shares)

Companies House

1985

23 August 1985

  • Incorporated at Companies House

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Garners Funeral Service

Other FCA-listed firms that share a director, phone number or address with Garners Funeral Service. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Garners Funeral Service

Other firms of the same type (funeral director), nearest first.

In the Kingston upon Thames (KT) postcode area

Brunskill & Sons Funeral Service LtdChessingtonAppointed representativeL Hawkins & Sons LtdLeatherheadAppointed representative

Elsewhere in the UK

Farewill LtdSutton ColdfieldAppointed representativeJoseph Edwards & Sons LtdStoke-On-TrentAppointed representativeA & A Doyle LimitedGalashielsAppointed representativeA & A Walters LimitedTiptonAppointed representative

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Garners Funeral Service

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 10 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Garners Funeral Service Limited FCA authorised?
Garners Funeral Service Limited (FRN 983391) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Garners Funeral Service?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Garners Funeral Service Limited (FRN 983391) is an AR of Golden Charter Limited (FRN 965279). When you use Garners Funeral Service's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Garners Funeral Service, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
What is Garners Funeral Service’s phone number?
The FCA register lists the phone number 020 8390 4996 for Garners Funeral Service. If you were given different contact details, use these to check with the firm before going any further.
Is Garners Funeral Service a scam or clone?
Garners Funeral Service is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Garners Funeral Service?
Protection works through Golden Charter Limited, the principal firm responsible for Garners Funeral Service's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Garners Funeral Service?
Companies House lists one person with significant control of Garners Funeral Service: Mr Howard Reay Garner (75–100% of shares). Before that, it was controlled by Mrs Nicola Jane Garner.
Who runs Garners Funeral Service?
Companies House lists 2 directors of Garners Funeral Service: Howard Reay Garner and Daniel Reay Garner.
How long has Garners Funeral Service been in business?
The company was formed on 23 August 1985.
What do Garners Funeral Service’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £75.0k (−62% from £197k) and cash at bank of £90.1k (−21% from £114k).

Sources and links

The full report on Garners Funeral Service Limited

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